Yes. Currently, we offer Account Protection services such as Overdraft Protection and Courtesy Pay that prevent you from incurring overdrafts. Both services are offered when a new Checking account is opened. Overdraft Protection allows you to link a qualified account such as a Savings, Visa,®, Money Market or Line of Credit to your Checking account.

If your Checking account ever has an insufficient funds balance when a transaction such as a check, electronic payment or purchase is presented, the money will be automatically transferred from one of the accounts you designate. Courtesy Pay covers both checks and Automated Clearing House (ACH) transactions. ACH transactions are electronic financial transactions made using your checking account number, such as an automatic withdrawal for car insurance, gym membership or mortgage.

You can now enroll in Courtesy Pay Plus, a new account protection service designed to cover ATM Card and Visa Check Card purchases should there ever be an instance when there are not enough funds available in your account. This service by law requires members to give their consent allowing the credit union to cover purchases made with an ATM Card or Visa Check Card and charge a fee.

You can set up Overdraft Protection using a Savings account, Money Market account, Visa or Line of Credit. More than one account can be used to cover your transactions. The system will use the account(s) you have authorized, in the sequential order you requested, as long as you have available funds or credit. If none of your authorized overdraft protection sources have available funds or credit, we may pay items presented using Courtesy Pay or Courtesy Pay Plus, if there are funds available or in the case of Courtesy Pay Plus, you have opted in. To set up your account, simply contact us at 1-800-544-3328 or visit any of our branch locations.

Is there a fee to have or use Overdraft Protection for my Checking account?

There is no fee to have Overdraft Protection set up for your Checking Account. Delta Community does not charge a transaction fee for overdraft transfers from Savings or Money Market Accounts. However, if a Visa Credit Card or a loan such as a line of credit is utilized, you will incur finance charges and a $2 fee will apply.

Why should I opt in to Courtesy Pay Plus for ATM card and Check Card purchases?

By opting in to Courtesy Pay Plus, you add an extra layer of overdraft protection coverage which will cover ATM card and Check Card purchases. And, since there is no fee to opt in and no fee if you never use the service, you have nothing to lose.

Your cardholder experience will remain the same as it is today. The credit union will not authorize and pay overdrafts for ATM card or Check Card purchases, unless you ask us to by opting in electronically to Courtesy Pay Plus via the Delta Community web site or verbally by telephone at 1-800-544-3328.

There is no charge for opting in, but if there are insufficient funds in the account and Courtesy Pay or Courtesy Pay Plus is used, then there is a per item fee each time an item is paid. The fees for both Courtesy Pay and Courtesy Pay Plus include:

1st item - $25

2nd and 3rd items - $30

4th or more item(s) - $35

There is no limit on the total fees that can be charged when you overdraw your account.

What is the maximum amount available for overdrafts for Courtesy Pay and Courtesy Pay Plus?

Courtesy Pay and Courtesy Pay Plus have a combined limit of $500 which includes the aggregate amount of the overdrawn item(s) and the Courtesy Pay fee(s). A fee will be assessed for each item paid by Courtesy Pay.

If my account is overdrawn, how long do I have to bring my account into a positive balance?

Repayment of the overdraft amount is expected within 30 days. If you have additional overdraft items during this time, the account must be brought to a positive balance on or before the 30th day from the date of the initial overdraft item. Deposits received by Delta Community CU during the 30 days will be applied first to your overdrawn checking balance.

You can still opt in to Courtesy Pay Plus. There's no charge to opt in, and you'll have an extra layer of overdraft protection for ATM card or Check Card transactions. Remember you will only incur fees if you use the service.

If I opt in to Courtesy Pay Plus for ATM Card and Check Card purchases, will my items always be paid?

We pay overdrafts at our discretion. This means we do not guarantee we will always authorize and pay any type of transaction when there is not enough money available in your checking or designated overdraft protection accounts to cover the item. For example, we may not pay overdrafts when you are in default on a loan with Delta Community or your account is otherwise not in good standing.

Does the credit union offer other ways to protect overdrawing a Checking account?

Yes. When you open a Delta Community Checking Account, it is set up to automatically transfer funds from your Savings Account to your Checking should there be insufficient funds in the account. You can add Additional Savings Accounts and Money Markets as free Overdraft Protection. If you have a Visa Credit Card or loan such as a line of credit, you can have those set up as overdraft protection as well. However, you will incur finance charges and a $2 fee will apply. Please refer to your card terms and conditions for further details.

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